Lower Your 1994 Chevrolet Sportvan Insurance Quotes

Feel like you’re a prisoner to overpriced car insurance? Believe me when I say there are many people just like you. Lots of insurers contend to insure your vehicles, and it can be difficult to compare rates and uncover the absolute lowest rate possible.

It’s smart to do rate comparisons quite often since insurance prices are variable and change quite frequently. Despite the fact that you may have had the best price for Sportvan insurance at your last renewal you will most likely find a better rate today. Ignore everything you know about car insurance because I’m going to let you in on the secrets to one of the quickest ways to find the best coverage while lowering your premiums.

You can change your insurance prices

An important part of buying insurance is that you know the rating factors that come into play when calculating car insurance rates. When consumers understand what determines premiums, this allows you to make educated decisions that can earn you lower rates. Many different elements are used when you quote your car insurance policy. Some are pretty understandable such as your driving history, although others are not quite as obvious such as your credit history or how safe your car is.

The following are some of the major factors that factor into prices.

• Add-on coverages can add up – Insurance policies have a lot of additional coverages you can purchase on your car insurance policy. Coverages for replacement cost coverage, towing coverage, and additional equipment coverage may be costing you every month. The coverages may be enticing at first, but now you might not need them so remove them and pocket the money.
• Choose high crash test ratings and save – Vehicles that have high safety ratings are cheaper to insure. Highly rated vehicles have better occupant injury protection and reduced instances of injuries translates into fewer and smaller insurance claims which can result in lower premiums. If your Chevy is rated at least four stars on Safercar.gov or an “acceptable” rating on iihs.org you are probably receiving a discount.
• Higher premiums for high stress employers – Did you know that where you work can have an impact on rates? Careers like judgespolice officers and accountants are shown to have higher rates than the rest of us due to intense work requirements and lengthy work days. Conversely, jobs like actors, engineers and performers generally pay rates lower than average for Sportvan insurance.
• Put fewer miles on your vehicle – Driving a lot of miles each year the higher your rates will be. Most insurance companies charge to insure your cars determined by how the vehicle is used. Cars that sit idle most of the time qualify for better rates than those used for commuting. An improperly rated Sportvan is just wasting money. It’s a smart idea to ensure your car insurance policy correctly shows the correct usage for each vehicle, because improper ratings can cost you money.
• Single drivers take more risk – Having a wife or husband may earn you lower rates compared to being single. Having a significant other generally demonstrates drivers are more mature and responsible and it’s proven that married drivers tend to file fewer claims.
• Gender is a factor – Over the last 30 years, statistics show women tend to be less risk to insure than men. However, don’t assume that men are WORSE drivers than women. Males and females tend to get into auto accidents in similar percentages, but males have accidents that have higher claims. Men also statistically receive more costly citations such as driving while intoxicated (DWI) or driving recklessly. Male drivers age 16 to 19 cause the most accidents so it costs more to insure them.
• Traffic violations are costly – Drivers who don’t get tickets pay less for auto insurance than people who have multiple driving citations. Having a single driving citation can boost insurance rates by as much as thirty percent. Drivers who have gotten license-revoking citations like hit and run, DWI or reckless driving convictions may need to submit a SR-22 form with their state motor vehicle department in order to legally drive.

How much is insurance?

Finding a lower price on 1994 Chevy Sportvan insurance is actually quite simple. Consumers just need to spend a few minutes on the computer comparing price quotes to find the company with inexpensive insurance coverage quotes. This is very easy and can be done using one of these methods.

The best way to find low rates is a comparison rater form like this one (opens in new window). This quick form prevents you from having to do separate quotes to each individual insurance company. Completing one form gets you price quotes from multiple low-cost companies.

A less efficient way to analyze rates is to manually visit each individual company website and repeat the quote process. For sake of this example, let’s assume you want to compare prices for Farmers, Liberty Mutual and Allstate. In order to get each rate, you would have to go to each individual site to enter your coverage information, which is why the first method is quicker.

For a list of links to companies insuring cars in your area, click here.

The approach you take is up to you, just try to keep nearly identical coverage information for each comparison quote. If you enter mixed coverages you will not be able to decipher which rate is best.

But they said I’d save $411 a year!

Consumers get pounded daily by advertisements that claim the cheapest prices from the likes of Allstate and Progressive. They all seem to tend to make the same promise of big savings after switching your car insurance policy to them.

Is it even possible that every company can claim to save you money?

Most companies give the cheapest rates for the type of customer they prefer to insure. For example, a profitable customer might be described as a mature driver, has few claims, and has a short commute. Any person that hits that “sweet spot” receives the best prices as well as save money with a new company.

Potential insureds who do not meet the requirements may be forced to pay more expensive rates with the end result being business going elsewhere. Company advertisements say “drivers who switch” not “all people who quote” will save that much if they switch. That’s why insurance companies can make those statements. Because every company is different, it is so important to compare free insurance coverage quotes often. Because you cannot predict the company that will have the best auto insurance rates.

Auto insurance discounts are available to slash your rates

The cost of insuring your cars can be expensive, but there are discounts available that can dramatically reduce your bill. Some of these disounts will be visible when you get a quote, but a few must be specially asked for before you get the savings.

• Safety Restraint Discount – Drivers who always wear seat belts and also require passengers to use a seat belt can save up to 10 percent (depending on the company) off the PIP or medical payment premium.
• Theft Prevention System – Vehicles that have factory alarm systems and tracking devices are stolen with less frequency and earn discounts up to 10% off your insurance coverage quote.
• Low Mileage Discounts – Driving fewer miles may enable drivers to earn better rates on cars that stay parked.
• Life Insurance – If the company offers life insurance, you could get a small discount if you purchase some life insurance in addition to your auto policy.
• Driver Safety – Successfully completing a course in safe driver is a good idea and can lower rates and easily recoup the cost of the course.
• Driving Data Discount – Insureds who allow driving data collection to analyze when and where they use their vehicle by using a telematic data system like In-Drive from State Farm and Progressive’s Snapshot may get a rate reduction if their driving habits are good.

Don’t be shocked that most credits do not apply to the entire cost. Some only apply to specific coverage prices like physical damage coverage or medical payments. Just because it seems like all the discounts add up to a free policy, companies don’t profit that way.

Popular auto insurance companies and a summarized list of policyholder discounts are outlined below.

• State Farm may have discounts that include accident-free, Drive Safe & Save, passive restraint, multiple autos, anti-theft, student away at school, and defensive driving training.
• Liberty Mutual offers premium reductions for newly retired, good student, new move discount, hybrid vehicle, and safety features.
• American Family may offer discounts for TimeAway discount, defensive driver, bundled insurance, multi-vehicle, early bird, Steer into Savings, and mySafetyValet.
• Progressive policyholders can earn discounts including continuous coverage, homeowner, online signing, good student, and multi-policy.
• Farmers Insurance discounts include mature driver, electronic funds transfer, alternative fuel, teen driver, homeowner, and youthful driver.
• Auto-Owners Insurance has savings for good student, group or association, multiple vehicles, company car, air bags, safe vehicle, and multi-policy.
• SAFECO offers discounts for accident prevention training, multi-car, drive less, anti-lock brakes, teen safety rewards, and teen safe driver.

Before buying, ask all the companies which discounts you may be entitled to. Some discounts may not apply in your area.

Everyone needs different insurance coverage coverages

When it comes to choosing proper insurance coverage for your vehicles, there is no single plan that fits everyone. Everyone’s needs are different so your insurance should reflect that These are some specific questions can aid in determining if you might need professional guidance.

• Should I put collision coverage on all my vehicles?
• Is upholstery damage covered by car insurance?
• How much underlying liability do I need for an umbrella policy?
• What is UM/UIM insurance?
• Is extra glass coverage worth it?
• Are all vehicle passengers covered by medical payments coverage?
• Does liability extend to a camper or trailer?
• Exactly who is provided coverage by my policy?
• Is my trailer covered?
• When should I not file a claim?

If you’re not sure about those questions but you know they apply to you then you might want to talk to an agent. If you want to speak to an agent in your area, complete this form or click here for a list of insurance coverage companies in your area. It’s fast, doesn’t cost anything and you can get the answers you need.

Auto insurance coverage options for a Chevy Sportvan

Understanding the coverages of a auto insurance policy aids in choosing appropriate coverage at the best deductibles and correct limits. The terms used in a policy can be difficult to understand and coverage can change by endorsement. These are typical coverages offered by auto insurance companies.

Protection from uninsured/underinsured drivers – This coverage gives you protection when the “other guys” either are underinsured or have no liability coverage at all. Covered losses include injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

Due to the fact that many drivers only carry the minimum required liability limits, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is a good idea.

Collision coverages – This pays to fix your vehicle from damage from colliding with another car or object. You will need to pay your deductible and then insurance will cover the remainder.

Collision insurance covers claims like driving through your garage door, scraping a guard rail and colliding with another moving vehicle. Collision is rather expensive coverage, so you might think about dropping it from older vehicles. You can also choose a higher deductible in order to get cheaper collision rates.

Medical expense insurance – Coverage for medical payments and/or PIP reimburse you for expenses for ambulance fees, hospital visits, dental work, EMT expenses and chiropractic care. They are often utilized in addition to your health insurance program or if you do not have health coverage. It covers both the driver and occupants in addition to getting struck while a pedestrian. Personal Injury Protection is not an option in every state and gives slightly broader coverage than med pay

Comprehensive (Other than Collision) – This coverage pays for damage that is not covered by collision coverage. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive coverage pays for claims such as theft, hitting a bird, rock chips in glass, damage from flooding and a broken windshield. The maximum amount you can receive from a comprehensive claim is the cash value of the vehicle, so if it’s not worth much more than your deductible consider removing comprehensive coverage.

Auto liability insurance – This coverage provides protection from damages or injuries you inflict on a person or their property by causing an accident. It protects you from claims by other people, and does not provide coverage for damage to your own property or vehicle.

Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. You might see policy limits of 25/50/25 which means a limit of $25,000 per injured person, a per accident bodily injury limit of $50,000, and $25,000 of coverage for damaged propery.

Liability insurance covers claims like bail bonds, pain and suffering and legal defense fees. The amount of liability coverage you purchase is a decision to put some thought into, but buy as large an amount as possible.

Affordable insurance is out there

Low-cost 1994 Chevy Sportvan insurance can be sourced from both online companies as well as from insurance agents, and you should compare rates from both in order to have the best price selection to choose from. There are still a few companies who do not provide internet price quotes and most of the time these regional insurance providers only sell through independent agents.

When getting insurance coverage quotes online, don’t be tempted to skimp on coverage in order to save money. In many instances, an accident victim reduced full coverage only to find out that saving that couple of dollars actually costed them tens of thousands. Your goal is to buy the best coverage you can find at an affordable rate, but do not skimp to save money.

To learn more, feel free to visit these articles:

• Safety Belts FAQ (iihs.org)
• Auto Crash Statistics (Insurance Information Insitute)
• Teen Driving Statistics (iihs.org)
• Booster Seat Ratings (iihs.org)
• What is Full Coverage? (Allstate)
• Five Mistakes to Avoid (Insurance Information Insitute)